Standard Bank Banker - Transactional Jobs in South Africa

Standard Bank Banker - Transactional Jobs in South Africa

Job Purpose

  • To proactively promote a deep relationship-based offering through a secondary point of contact, that creates client value by providing personalised financial solutions in line with the private segment offering, managing and supporting the portfolio.

    Key Responsibilities/Accountabilities


  • Establishes and builds one-on-one relationships with customers, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) strategy and programme.

  • Ensures successful retention of existing customers in assigned portfolio by strengthening and expanding relationships. This is achieved by intimately understanding the customer, servicing the customer’s business and personal financial needs and focusing on the management of key accounts. Commented JCC4: To add: Ensures a deep understanding of the client requirements through regular value-adding interactions with clients.

  • Interacts and build relationships with Business Banking Account Executive’s and (CIB) Corporate and Investment Banking Relationship Managers, in order to provide a seamless solution to the client’s banking requirements. To assist with related queries where possible, and facilitate when specialist advice is required by referring to Business Banking or CIB.

  • Manages the “Cost of Sales” through evaluation of margins, cost of service and utilisation of the multi-channel delivery strategies, such as actively managing customer migration onto electronic banking channels. Manage customer migration between segments and sub-segments of Private Banking.

  • Actively ensures that customers are migrated to the correct sub-segment, as per the Value Propositions where appropriate.

  • Effectively attend to and monitor customer complaints on portfolio, identify root causes and address at source, to prevent recurrence.

  • Assist with proactively e-mail new product information to all customers.

  • Assisting with credit applications effectively, focusing on high quality motivations

  • Advises customers on simplex lending product selection, by recommending products to meet their specific needs.

  • Restructures debt for efficiencies through debt consolidation, thereby bringing a customer’s asset base under one roof.

  • Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and deadlines are strictly adhered to.

  • Manages and assist with the timeous completion of annual credit reviews on the portfolio.

  • Analyse clients’ financial behaviours and accounts to match their needs with products that will result in greater value for the client and increased revenue for the bank. Be analytical in approach, weighing up longer-term benefits and risks.


  • Maximizes bank profitability and ensure value
    add to customers through cross-selling specifically focusing on wealth and lending opportunities. Manages through use of contribution reports.

  • Joins and supports business organisation that will assist in the acquisition of appropriate customers.

  • Measures, tracks and manages sales targets and budgets for portfolio

  • Ensures effective customer relationship management (CRM) and lead generation system, as a lead, query and complaint management tool.

  • Manages work list queues to ensure items are actioned within agreed timelines, and/or re-assign staff to different queues to ensure work completed within agreed timelines.

  • Coaches and assist team members on the required behaviors to support Customer 1st tool.

  • Drive and manage adoption and usage of various digital applications in order to grow digital banking.


  • Ensures that procedures laid down in Group Reference Guide are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held.

  • Ensures proper record keeping in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements.

  • Ensures Code of Banking Practice is adhered to.

  • Maintains information on Security and access control system (SACS) for the relevant private banking suite as per Portfolio down procedure.

  • Educate customer on alternative digital channels through this achieve the average revenue per client (i.e., revenue recoveries and revenue leakage).

    Minimum Qualification and Experience

  • ‘The Standard Bank Group has implemented a Vaccination Policy for all roles which require the incumbent to work from the Standard Bank premises on a full-time or intermittent basis. Full vaccination against COVID-19 is therefore an inherent requirement of this role.’

  • National Diploma Finance and Accounting.

  • Relevant FAIS Qualification (FAIS Intermediary) NQF Level 5.

  • 3-4 years Branch banking experience, with exposure to universal banking, BDC/Forex, credit and overall client service.

    How to Apply

  • For more information and job application details, see; Standard Bank Banker - Transactional Jobs in South Africa

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